Pays Hidden

"Seven entities besides the customer and café can participate in a card transaction, and several of them gain access to identifying information stored on the card. Their combined fees generally amount to between 1 and 3 percent of each sale, while merchants may also face chargebacks, fraud-related fines, and other penalties. Customers often pay these costs indirectly through higher prices, card-issuance fees, ATM fees, checking fees, and interest charges."